About Pennant

We are a leading financial technology company providing future-ready products and solutions, empowering financial institutions to innovate and scale, driving higher business growth.

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20 years

Serving global banks & financial institutions

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Clients served across continents

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Employees focused on innovation

MN

Loan transactions per year through our system

pennApps Lending Factory

Experience a composable, API-driven lending platform that unlocks innovation by simplifying loan origination, management, and collections for any type of loan or line of credit—all virtually and with minimal configuration.

  • imagesDigital Enablers
  • imagesOrigination
  • imagesManagement
  • imagesCollections
  • Single system entire life cycle images
  • Unified view for all stakeholders images
  • BPMN 2.0 complaint images
  • Fully configurable images
  • Accounting engine images

Factory Concept

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portal connectors
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APIs Across Cycle
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standard interfaces
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vAS Interfaces

Single Solution for all Loan Products

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Cloud, On-Premises, Hybrid
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Enterprise-Class, scalable
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open technology agnostic
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industry best security practices

Integrators

  • Customer data
  • payment network
  • core banking
  • accounts services
  • fintech partners
  • payment services

Leverage Solutions. Delight Borrowers

Whether you're tailoring a specialised term loan program or adapting to launch innovative solutions like UPI credit lines, our platform is designed to align with your needs and those of your customers.

  • upi

    Credit Line on UPI

    Enhance UPI credit line services, delivering rapid access and simplified financial management for customers.

  • co-lending

    Co-Lending & Direct Assignment

    Work with multiple originators and lenders to provide accessible loans to your borrowers.

  • elastic-credit-line

    Elastic Credit Line

    Deliver flexible, scalable credit options with immediate access, tailored repayments, and no hidden fees.

  • overdarft

    Overdraft

    Provide your customers with a convenient safety net to manage short-term cash flow issues and unexpected expenses.

  • payment-processing-icon

    Payment Processing

    Streamline your payment processing operations with pennant' modular, flexible and feature packed solutions.

  • Supply-Chain-Financing-icon

    Supply Chain Financing

    Optimise your supply chain finance with pennant's platform for seamless, efficient credit management.

Lending Gets Easier and Much Faster

Empowering financial institutions with a comprehensive package of integrated solutions that streamline your lending processes—all bundled into one system.

Trusted by the World’s Leading Banks and
Financial Institutions

Customer Testimonials

godrej
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Highly configurable and cloud compatible  Pennant Technologies Lending factory  hashelpedGodrej Housing Finance launch the product variants in an agile  way with improved turn-around time.  We could launch with multiple features  that improved productivity and reduced  the number of challenges in production,  which enabled us to service our  customers efficiently.

JyothirlathaB
CTO,Godrej Housing Finance
godrej
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We shortlisted pennApps Lending Factory as it brought-in a host of functionalities and benefits including a future-proof product architecture, rules based functional factories, repository of bundled APIs, smart on-boarding tools with comprehensive origination and servicing capabilities and other features. Lending Factory ensured seamless lending operations, easy-to-use functionalities, speed and agility in branch operations, faster turn-around for new product/offer launches, and compelling digital experiences for our end customers. The highly flexible and adaptable platform enabled us to future-proof our lending operations and effectively meet the needs of the ‘digital-age’ customer.

Samir Mohanty
COO & CTO, Avanse Financial Services
godrej
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Lending Factory has been a crucial enabler in our needs of customer-centricity, business agility and cost effective scaling of operations. Its powerful functionalities, high product configurability and adaptive API integrations has helped us deliver outstanding value to our customers. Importantly, Pennant's team has been an excellent co-creation partner, wherein they have helped us create and launch new product offerings. The development of the Supply Chain Management module has been one such example of collaboration that has enabled us to go to market with speed and agility.

Vitthal Naik
CTO, Profectus Capital

case-study

Leading Financial Institution leverages Platform Business Model and Network Effects to grow its Retail Finance Business

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case-study

Lending System Modernisation and Consolidation helps a leading Indian Financial Institution Gain 40% OPEX Savings

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case-study

Lending Platform Modernisation powers a leading Financial Institution deliver 45% AUM growth, Save 30% Operational Costs

Read More
case-study

Lending System Modernisation and Consolidation helps a leading Indian Financial Institution Gain 40% OPEX Savings

Read More
case-study

Lending Platform Modernisation powers a leading Financial Institution deliver 45% AUM growth, Save 30% Operational Costs

Read More

CATEGORY : Blog

Transforming Loan Portfolios: How a Leading Financial Institution Thrived with Pennant’s ECL Solution

In the ever-evolving landscape of financial services, Banks and Financial Institutions are constantly seeking new ways to stay ahead of the curve and meet the dynamic needs of their customers. Introducing innovative loan products has been a key strategy in this endeavour.

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CATEGORY : Blog

AI in Financial Systems: Balancing Innovation with Caution

Financial institutions (FIs) have been increasingly incorporating AI into their operations and processes to drive efficiencies. According to The Economist, over 85% of IT executives in the financial services space already have a strategy for incorporating AI into new product and service development.

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CATEGORY : Blog

Top 7 Reasons Why your SME Lending Business in Middle East needs a Future-ready Digital Lending Platform

As we delve deeper into reshaping the landscape of SME lending in the Middle East, the pivotal role of digital lending platforms emerges as a cornerstone for sustainable growth. In the second blog of our SME Lending series,

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Pennant Helps Piramal Deploy Lending Platform on Microsoft Azure

Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book

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CATEGORY : LOREM IPSUM

Pennant Helps Piramal Deploy Lending Platform on Microsoft Azure

Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took

explore images

CATEGORY : LOREM IPSUM

Pennant Helps Piramal Deploy Lending Platform on Microsoft Azure

Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took

explore images

CATEGORY : News

Pennant Technologies and Fintech Alliance.PH host ‘Lending Reimagined’ Event

The event showcased the transformative role AI, Data and FIntechs are playing in the Banking and Financial Services Industry in Philippines

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CATEGORY : News

LIC Housing Finance Implements pennant’s Lending Platform for Driving Business Agility and Superior Customer Experiences

The highly composable and scalable Lending Platform will empower LIC HFL to quickly launch innovative market offerings, increase operational efficiency and drive future growth

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CATEGORY : News

Pennant Technologies Certified Great Place To Work for the Second Consecutive Year

ennant Technologies, an agile and innovative financial technology company, today announced it has been Great Place To Work® Certified™ in India for the second year in a row

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